A nail clipper has an operation grip part pressurizing a cutting edge that can be freely rotated with respect to the body and moved along the surface of the body, thereby allowing a user to clip his or her nails with ease. The holders are preferably formed by injection molding by common materials to minimize cost. The client uses the credit card and generates rebates used to offset the cost of the insurance policy or make payments into the medical services account. The circuit also includes a first pair of transistors having sources coupled to a first common node.